The best car insurance in Billings, MT

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By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Maria Filindras

Maria Filindras

Financial Advisor

Maria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The cost of a full coverage car insurance policy in Billings is $1,853 per year. That’s $35 less than the average for the state of Montana, which is $1,888 per year. Rates are a little below average because Billings is an average-sized town for the state.

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If you want to find a low rate on your car insurance, shop around so you can compare several quotes. Policygenius helps make it easy by showing you quotes from multiple insurers so you can compare options before picking a policy.

Key takeaways

  • USAA has the lowest average rate for a full coverage car insurance policy in Billings at $866 per year.

  • If you have bad credit, then the lowest rate comes from GEICO at $1,659 per year.

  • Montana requires a minimum of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $20,000 for property damage liability per accident.

Cheapest car insurance companies in Billings, MT

What you pay for car insurance depends on how old you are, your driving record, your car, and your credit history. But every insurance company has its own way of setting rates, so you can get two different rates from two companies for the same coverage.

Company

Average cost

JD Power Rating

USAA

$866

890

State Farm

$971

881

General Casualty Company of Wisconsin

$1,091

--

GEICO

$1,285

871

Nationwide

$1,467

876

Cheapest car insurance rates by ZIP code in Billings, MT

The street where you live can also impact your car insurance rates. Insurance companies use ZIP codes to figure out the risks of owning a car in your area. They look at variables including access to secure parking versus riskier on-street parking, rates of theft and vandalism, and the number of accidents and traffic tickets issued on streets in your neighborhood.

ZIP code

Average cost

59101

$1,867

59102

$1,849

59105

$1,843

59106

$1,854

Choosing the right car insurance company in Billings, MT

Finding the right car insurance company for your needs might seem difficult, but it comes down to several key factors.

  • Price: You have to get quotes from multiple companies to see which has the best rate for you.

  • Coverage: You must meet the state minimums, but beyond that, how much insurance you choose is up to you. The more the better though, since higher limits means more protection.

  • Service: Check customer service ratings and claims satisfaction scores before picking a company.

Policygenius takes the pain out of comparing car insurance companies by giving you quotes from multiple insurers at once.

Car insurance rates for drivers with driving violations in Billings, MT

Driving violations will have a negative impact on your car insurance rates. Speeding tickets and moving violations increase your premiums, especially if you have more than one on your record. The more violations you have on your driving record, the more you will end up paying for your car insurance.

Violation

USAA

State Farm

General Casualty Company of Wisconsin

GEICO

Nationwide

At-fault accident

$1,217

$1,149

$1,884

$1,917

$2,691

DUI

$1,796

$1,069

$2,209

$3,632

$3,486

Suspended license

$1,697

$1,069

$2,349

$1,422

$3,486

Open container

$1,268

$1,069

$2,209

$1,422

$3,486

Expired registration

$1,201

$1,069

$1,615

$1,285

$2,108

Driving without lights

$1,201

$1,069

$1,615

$1,422

$2,108

Not showing documents

$1,201

$1,069

$1,615

$1,285

$2,108

Running a red light

$1,201

$1,069

$1,615

$1,422

$2,108

Failure to yield

$1,201

$1,069

$1,615

$1,422

$2,108

Following too closely

$1,201

$1,069

$1,615

$1,422

$2,108

Hit and run

$1,890

$1,069

$2,349

$3,632

$3,200

Illegal turn

$1,201

$1,069

$1,615

$1,422

$2,108

Improper passing

$1,201

$1,069

$1,615

$1,422

$2,108

Not-at-fault accident

$917

$989

$1,271

$1,352

$1,489

Passing a school bus

$1,268

$1,069

$2,349

$1,422

$2,108

Racing

$1,796

$1,069

$2,349

$3,632

$3,486

Reckless driving

$1,268

$1,069

$2,349

$2,535

$3,486

Speeding

$1,201

$1,069

$2,209

$1,422

$2,108

Cheapest car insurance for drivers with bad credit in Billings, MT

Your credit history also plays a big part in your rates when it comes to car insurance. If you have a lower credit score, then your rates will be higher.

Company

Rates for drivers with bad credit

GEICO

$1,659

General Casualty Company of Wisconsin

$1,729

USAA

$1,813

State Farm

$2,044

Nationwide

$2,278

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Buying car insurance in Billings, MT

You are required to have car insurance in Montana with minimum coverage amounts of:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

Driving without insurance could mean penalties like fines or even jail time. It could also leave you on the hook for expensive bills after an accident.

How to get cheap car insurance in Billings, MT

  • Drive safely: Avoid traffic violations and tickets to get a better insurance rate.

  • Keep good credit: A history of bad credit will result in higher car insurance rates.

  • Compare policies: Get multiple quotes to compare insurance companies.

  • Get a discount: Ask about discounts for members of the military, low-mileage drivers, safe drivers, good students, and members of professional organizations. This includes discounts for firefighters, teachers, and law enforcement.

  • Bundle policies: If you have other insurance policies, using the same company for your car insurance could lower all your rates.

Frequently asked questions

Who has the cheapest car insurance rates in Billings?

Our most current data shows the two cheapest car insurance companies in the city of Billings are USAA and State Farm.

How can I save money on my car insurance in Billings?

You’ll save money by avoiding accidents and tickets and keeping your credit rating high.

Is Montana a no-fault state?

Montana is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay the expenses of everyone.

Does Montana require car insurance?

Yes. Montana requires a minimum of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $20,000 for property damage liability per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Automotive journalist

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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